Explanation Given: Base data worksheet in the excel file credit risk data Credit Risk Data Loan Purpose Checking Savings Months Customer Months Employed Gender Marital Status Age Housing Years Job Credit Risk Small Appliance $0 $739 13 12 M Single 23 Own 3 Unskilled Low Furniture $0 $1,230 25 0 M Divorced 32 Own 1 Skilled High New Car $0 $389 19 119 M Single 38 Own 4 Management High Furniture $638 $347 13 14 M Single 36 Own 2 Unskilled High Education $963 $4,754 40 45 M Single 31 Rent 3 Skilled Low Furniture $2,827 $0 11 13 M Married 25 Own 1 Skilled Low New Car $0 $229 13 16 M Married 26 Own 3 Unskilled Low Business $0 $533 14 2 M Single 27 Own 1 Unskilled Low Small Appliance $6,509 $493 37 9 M Single 25 Own 2 Skilled High Small Appliance $966 $0 25 4 F Divorced 43 Own 1 Skilled High Business $0 $989 49 0 M Single 32 Rent 2 Management High New Car $0 $3,305 11 15 M Single 34 Rent 2 Unskilled Low Business $322 $578 10 14 M Married 26 Own 1 Skilled Low New Car $0 $821 25 63 M Single 44 Own 1 Skilled High New Car $396 $228 13 26 M Single 46 Own 3 Unskilled Low Used Car $0 $129 31 8 M Divorced 39 Own 4 Management Low Furniture $652 $732 49 4 F Divorced 25 Own 2 Skilled High New Car $708 $683 13 33 M Single 31 Own 2 Skilled Low Repairs $207 $0 28 116 M Single 47 Own 4 Skilled Low Education $287 $12,348 7 2 F Divorced 23 Rent 2 Skilled High Furniture $0 $17,545 34 16 F Divorced 22 Own 4 Skilled High Furniture $101 $3,871 13 5 F Divorced 26 Rent 4 Skilled High Furniture $0 $0 25 23 M Married 19 Own 4 Skilled High Furniture $0 $485 37 23 F Divorced 27 Own 2 Management High New Car $0 $10,723 11 15 M Single 39 Rent 2 Unskilled Low Business $141 $245 22 33 M Single 26 Own 3 Skilled Low Used Car $0 $0 19 58 M Single 50 Other 4 Skilled High Used Car $2,484 $0 49 46 M Single 34 Other 1 Skilled Low Small Appliance $237 $236 37 24 M Single 23 Rent 4 Skilled Low Small Appliance $0 $485 19 12 M Single 23 Own 2 Skilled Low Education $335 $1,708 37 7 M Single 46 Other 4 Skilled High Small Appliance $3,565 $0 31 32 M Single 35 Own 3 Skilled Low Small Appliance $0 $407 13 2 F Divorced 28 Own 2 Skilled Low Business $16,647 $895 16 34 M Single 25 Rent 4 Skilled Low Business $0 $150 49 46 F Divorced 36 Rent 4 Skilled High Small Appliance $0 $490 5 41 M Single 41 Own 1 Unskilled Low Furniture $0 $162 25 1 M Divorced 54 Own 1 Skilled High Small Appliance $940 $715 9 40 F Divorced 43 Own 2 Unskilled Low Small Appliance $0 $323 49 42 M Married 33 Own 1 Skilled High New Car $0 $128 13 74 M Single 34 Own 3 Skilled High Other $218 $0 49 0 M Single 39 Other 4 Unemployed Low Used Car $0 $109 25 26 M Single 34 Own 3 Unskilled Low Small Appliance $16,935 $189 37 60 M Single 30 Own 2 Skilled Low Furniture $664 $537 31 33 M Single 48 Own 2 Skilled High Furniture $150 $6,520 12 1 F Divorced 19 Own 1 Skilled Low Small Appliance $0 $138 7 119 M Married 29 Rent 2 Skilled Low Furniture $216 $0 19 3 F Divorced 26 Rent 3 Skilled High New Car $0 $660 17 75 M Single 42 Rent 4 Skilled High Business $0 $724 25 8 M Single 30 Rent 2 Skilled High Small Appliance $0 $897 19 5 M Married 38 Own 4 Skilled Low Small Appliance $265 $947 25 5 M Married 21 Own 1 Skilled High Furniture $4,256 $0 16 36 F Divorced 32 Rent 4 Unskilled Low Business $870 $917 28 6 M Single 35 Own 2 Skilled High New Car $162 $595 22 10 M Divorced 46 Own 4 Skilled Low Used Car $0 $789 25 28 M Single 37 Own 3 Management Low Education $0 $0 37 114 M Single 39 Own 4 Management High Furniture $0 $746 13 16 F Divorced 29 Own 3 Skilled Low New Car $461 $140 19 32 M Single 27 Rent 3 Unskilled Low New Car $0 $659 19 5 F Divorced 22 Rent 3 Skilled High Furniture $0 $717 37 60 M Single 40 Own 2 Skilled High New Car $0 $667 29 10 M Single 44 Own 2 Unskilled High New Car $580 $0 11 8 M Single 26 Own 4 Unskilled High Small Appliance $0 $763 13 46 F Divorced 57 Own 3 Unskilled Low New Car $0 $1,366 19 17 M Single 34 Own 4 Unskilled Low Small Appliance $0 $552 25 4 M Married 47 Own 4 Skilled High Small Appliance $0 $14,643 16 115 M Single 46 Own 3 Skilled Low Business $758 $2,665 13 31 M Single 38 Own 4 Unskilled Low Used Car $399 $0 31 0 F Divorced 52 Own 1 Management High Furniture $513 $442 7 0 M Single 34 Own 1 Management Low Furniture $0 $8,357 25 5 M Single 29 Other 4 Skilled High New Car $0 $0 22 9 M Single 39 Own 2 Unskilled High Small Appliance $565 $863 10 81 M Single 36 Own 4 Unskilled Low Business $0 $322 28 28 M Single 25 Own 4 Skilled Low Furniture $0 $800 13 69 M Single 59 Own 3 Skilled High Small Appliance $0 $656 37 85 M Single 27 Own 2 Skilled Low New Car $166 $922 13 2 F Divorced 24 Rent 1 Skilled High Business $9,783 $885 13 3 F Divorced 25 Own 1 Unemployed High Business $674 $2,886 49 32 M Single 29 Own 2 Skilled Low Repairs $0 $626 43 0 M Single 64 Own 4 Unemployed Low Business $15,328 $0 25 9 M Single 31 Own 4 Skilled Low New Car $0 $904 12 6 M Single 38 Own 4 Unskilled Low Education $713 $784 61 17 M Single 41 Other 4 Skilled High New Car $0 $806 19 3 F Divorced 22 Own 2 Unskilled High Education $0 $3,281 19 20 F Divorced 29 Own 2 Skilled High New Car $0 $759 16 59 M Single 32 Rent 3 Skilled High Small Appliance $0 $680 25 3 F Divorced 34 Own 4 Skilled High Used Car $0 $104 37 25 M Single 23 Own 4 Skilled High Small Appliance $303 $899 13 3 M Single 21 Own 1 Skilled High Small Appliance $900 $1,732 37 11 F Divorced 49 Other 4 Skilled High Furniture $0 $706 31 14 M Divorced 31 Own 2 Skilled Low Education $1,257 $0 10 65 F Divorced 40 Rent 4 Unskilled Low Small Appliance $0 $576 7 14 F Divorced 28 Own 1 Skilled Low Repairs $273 $904 7 2 M Married 21 Own 1 Unskilled Low Business $522 $194 25 79 M Divorced 30 Own 4 Skilled High Small Appliance $0 $710 25 1 F Divorced 37 Own 3 Skilled Low Small Appliance $0 $5,564 25 93 M Single 33 Own 2 Skilled Low Small Appliance $0 $192 46 13 M Single 22 Other 4 Skilled High New Car $0 $637 13 21 F Divorced 23 Own 2 Unskilled High Small Appliance $514 $405 49 13 F Divorced 21 Own 2 Skilled High Furniture $457 $318 19 108 M Single 40 Own 1 Skilled Low Small Appliance $5,133 $698 19 14 M Single 36 Own 2 Skilled High New Car $0 $369 10 16 M Single 29 Own 1 Skilled Low Retraining $644 $0 13 88 M Single 37 Own 4 Skilled Low Furniture $305 $492 19 1 F Divorced 26 Own 1 Skilled Low New Car $9,621 $308 25 41 M Single 37 Other 3 Skilled High Education $0 $127 13 22 M Single 39 Rent 4 Unskilled High Business $0 $565 19 14 M Married 27 Own 2 Skilled High Furniture $0 $12,632 16 9 F Divorced 19 Rent 4 Skilled Low New Car $0 $116 49 45 M Single 45 Other 4 Skilled High Used Car $0 $178 13 89 M Single 34 Other 4 Skilled High Small Appliance $6,851 $901 13 21 F Divorced 43 Rent 2 Unskilled Low Furniture $13,496 $650 19 20 M Single 33 Own 1 Unskilled High Business $509 $241 25 14 M Single 35 Own 4 Unskilled High Used Car $0 $609 37 6 M Single 31 Other 2 Management Low Furniture $19,155 $131 25 24 M Single 25 Own 2 Skilled Low Furniture $0 $544 19 15 F Divorced 27 Own 2 Skilled Low Small Appliance $0 $10,853 25 81 F Divorced 56 Rent 4 Management Low Used Car $374 $0 25 14 M Single 45 Own 4 Management Low Large Appliance $0 $409 49 15 M Single 53 Own 4 Skilled High Furniture $828 $391 9 12 F Divorced 23 Own 4 Skilled High Furniture $0 $322 13 9 F Divorced 25 Own 1 Skilled Low Small Appliance $829 $583 7 18 F Divorced 63 Own 3 Skilled Low Small Appliance $0 $12,242 25 53 M Single 34 Own 2 Skilled High Furniture $0 $479 19 0 M Single 24 Own 1 Unemployed High New Car $939 $496 19 56 M Single 35 Own 4 Skilled High New Car $0 $466 25 42 M Single 30 Own 3 Skilled High New Car $889 $1,583 37 79 M Single 29 Other 3 Skilled Low Furniture $876 $1,533 31 21 F Divorced 20 Rent 4 Skilled High Small Appliance $893 $0 16 94 M Single 49 Own 4 Skilled Low Business $12,760 $4,873 13 73 M Single 56 Rent 4 Unskilled Low Furniture $0 $0 13 94 M Single 48 Rent 4 Skilled Low Small Appliance $0 $717 22 10 F Divorced 24 Own 2 Skilled High Small Appliance $959 $7,876 28 20 M Single 22 Own 2 Unskilled High Small Appliance $0 $4,449 25 87 M Single 30 Own 4 Skilled High Other $0 $0 25 54 M Single 39 Own 3 Management High Business $0 $104 25 23 M Married 20 Own 2 Unskilled Low Repairs $0 $897 19 2 F Divorced 22 Own 4 Skilled High New Car $698 $4,033 16 20 M Married 24 Rent 2 Skilled High Furniture $0 $945 13 6 M Divorced 41 Own 1 Skilled Low Furniture $0 $836 25 99 M Single 32 Own 4 Skilled Low Small Appliance $0 $325 19 13 F Divorced 23 Own 2 Skilled High Small Appliance $12,974 $19,568 13 7 F Divorced 41 Rent 3 Skilled Low Furniture $0 $803 13 89 M Single 52 Other 4 Management High Small Appliance $317 $10,980 13 17 M Single 65 Own 3 Unskilled High Business $0 $265 13 10 F Divorced 26 Own 2 Skilled Low Repairs $0 $609 31 3 M Divorced 33 Own 1 Unskilled High Small Appliance $0 $1,851 12 0 F Divorced 56 Own 4 Unskilled Low Furniture $192 $199 25 5 F Divorced 24 Own 4 Unskilled High New Car $0 $500 28 7 F Divorced 20 Rent 3 Skilled High New Car $0 $509 16 3 M Single 35 Own 3 Skilled Low Used Car $0 $270 25 25 M Single 34 Own 3 Skilled Low New Car $0 $457 13 63 M Single 38 Own 4 Management Low Used Car $0 $260 25 78 M Single 34 Own 4 Management Low New Car $942 $3,036 25 36 M Single 37 Own 3 Skilled Low Small Appliance $0 $643 19 6 M Single 31 Other 2 Management Low New Car $3,329 $0 19 15 M Single 67 Rent 4 Skilled High Used Car $0 $6,345 25 19 M Single 26 Own 2 Skilled Low Education $0 $922 37 9 F Divorced 24 Own 2 Management High Furniture $0 $909 25 3 M Single 21 Other 1 Skilled Low Large Appliance $0 $775 19 8 M Married 46 Own 3 Unskilled High Furniture $0 $979 25 48 M Single 22 Rent 4 Skilled High Furniture $0 $948 19 2 F Divorced 20 Rent 4 Skilled Low Business $339 $2,790 22 55 M Divorced 60 Rent 2 Unskilled High Used Car $0 $309 49 37 M Single 25 Own 3 Skilled Low Small Appliance $0 $762 10 1 F Divorced 21 Rent 4 Skilled High Small Appliance $0 $970 13 14 F Divorced 22 Own 1 Skilled Low Used Car $105 $320 28 54 M Single 29 Own 2 Management Low Small Appliance $0 $861 13 111 M Single 56 Own 4 Unskilled High Repairs $216 $262 37 2 M Single 32 Rent 1 Unskilled High Furniture $113 $692 11 14 M Divorced 30 Own 2 Unskilled Low Used Car $109 $540 37 1 M Married 27 Rent 4 Management High New Car $0 $470 13 0 F Divorced 37 Own 2 Unemployed Low New Car $0 $192 7 2 M Single 39 Own 4 Unskilled Low New Car $8,176 $12,230 7 5 M Married 26 Own 2 Unemployed Low Repairs $0 $772 25 19 M Divorced 32 Own 2 Skilled Low Furniture $468 $14,186 22 24 M Single 31 Own 2 Skilled Low Used Car $7,885 $6,330 16 14 M Single 35 Own 2 Skilled Low Small Appliance $0 $18,716 19 93 M Single 31 Own 3 Management Low New Car $0 $886 22 96 M Single 64 Own 4 Skilled Low Business $0 $750 37 2 M Divorced 27 Own 1 Skilled High Small Appliance $0 $3,870 25 11 F Divorced 31 Own 2 Unskilled High Small Appliance $0 $3,273 13 4 M Married 32 Own 3 Unskilled High Business $0 $406 6 35 M Single 73 Own 4 Unskilled Low Furniture $0 $461 13 48 F Divorced 30 Own 4 Unskilled Low Furniture $0 $340 19 4 M Married 42 Own 1 Unskilled High Small Appliance $0 $6,490 19 85 M Single 45 Own 4 Skilled Low Small Appliance $734 $348 7 100 M Single 27 Own 4 Skilled Low Furniture $0 $506 25 3 F Divorced 22 Rent 4 Unskilled High Used Car $0 $14,717 28 7 M Single 26 Own 2 Skilled Low Business $172 $0 25 36 M Single 33 Own 3 Skilled Low New Car $644 $1,571 19 1 F Divorced 27 Own 3 Skilled High New Car $0 $0 25 19 F Divorced 24 Rent 4 Skilled High Furniture $617 $411 31 3 M Married 21 Own 1 Skilled Low New Car $0 $544 25 0 F Divorced 28 Rent 4 Unemployed High Small Appliance $586 $0 13 0 M Single 51 Own 1 Management High Furniture $0 $835 19 42 F Divorced 21 Own 1 Skilled High Small Appliance $0 $823 25 47 M Single 27 Own 2 Skilled Low Business $0 $5,180 22 4 M Single 40 Own 2 Unskilled High Small Appliance $0 $408 16 12 M Single 34 Other 4 Skilled Low New Car $0 $821 48 5 F Divorced 34 Own 1 Unskilled Low Education $522 $385 10 66 M Single 63 Own 4 Unskilled Low New Car $585 $2,223 16 0 M Single 33 Own 2 Management High New Car $5,588 $0 22 10 F Divorced 28 Own 4 Skilled High New Car $0 $605 37 20 F Divorced 24 Own 2 Skilled High Furniture $352 $7,525 13 4 F Divorced 18 Rent 4 Unskilled Low Small Appliance $0 $3,529 14 0 F Divorced 63 Own 4 Skilled Low Business $2,715 $1,435 49 14 M Divorced 37 Own 2 Skilled High Other $560 $887 25 20 M Single 38 Own 3 Management High Small Appliance $895 $243 13 4 M Married 22 Rent 1 Skilled High New Car $305 $4,553 7 2 F Divorced 31 Own 1 Unskilled High Small Appliance $0 $418 19 4 M Single 31 Own 2 Skilled Low New Car $0 $771 25 0 M Single 42 Other 2 Skilled High Furniture $0 $463 11 13 M Single 24 Rent 2 Unskilled High Business $8,948 $110 31 90 M Single 65 Own 4 Management High Used Car $0 $10,099 16 108 M Single 22 Rent 4 Skilled Low Used Car $0 $13,428 7 0 F Divorced 22 Rent 2 Unemployed Low Small Appliance $0 $208 13 23 M Single 51 Own 4 Skilled Low Small Appliance $0 $552 13 15 F Divorced 23 Own 4 Unskilled High Education $0 $3,105 16 19 F Divorced 30 Own 3 Skilled Low Small Appliance $483 $415 19 6 M Married 32 Own 2 ...

3rd Edition

ISBN: 9780136880844

Author: Evans

Publisher: PEARSON

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Chapter 4, Problem 20PE

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To construct: the cross tabulation for the loan purpose and credit risk

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Chapter 4, Problem 19PE

Chapter 4, Problem 21PE

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